Home State Bank is a bank based in Jefferson, Iowa, established in 1934, with $486 million in total assets across 2 branches. By Trust Grade it ranks 224th of 226 banks we track in Iowa. Its capital ratio of 8.6% trails most similarly sized banks (23th percentile), versus a Iowa median of 10.2%. It posted a loss over the most recent period (-1.27% return on assets), a point to watch. No consumer complaints against Home State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Home State Bank compares to Iowa peers
How we graded Home State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.6% capital ratio)
- Unprofitable over the period (ROA -1.27%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Home State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 101 E Bridge Road, Polk City, IA 50226
- 115 W State St, Jefferson, IA 50129
Are deposits at Home State Bank insured?
Yes. Home State Bank is an FDIC-insured bank (FDIC certificate #14867). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Home State Bank: frequently asked questions
Is Home State Bank a good bank?
Home State Bank earns a Bankzia Trust Grade of C (72/100, "Average"), based on a financial-strength score of 72/100 (it has no CFPB complaints on record). Well-capitalized (8.6% capital ratio); Unprofitable over the period (ROA -1.27%).
Is Home State Bank FDIC-insured?
Yes. Home State Bank is a FDIC-insured bank (FDIC certificate #14867). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Home State Bank?
Home State Bank holds $486 million in total assets, ranking 224th of 226 banks we track in Iowa. It operates 2 branches.
Does Home State Bank have CFPB complaints?
No CFPB complaints against Home State Bank appear in our data over the analysis window, which is typical for a bank of this size.
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
